Damn busy with work lately, who can do me a favour and compare

RHB Asian Total Return
vs
Affin Hwang Select Bond

for 1-year and 3-year periods?

Thanks

Annualised returns for 2, 3, 5 and 10 years barely exceed 4%...what makes u love it so much?

Why must get bond?

Yea.. the volatility doesn't seem worth it to me.. for that kind of return. If you have a diversified enough equity strategy, all you need to do is top up when you start losing money. Eventually, as a whole, it will go up again.

Yeap exactly what I'm doing now. even going ahead and posting onto my Facebook. the more people who invest in malaysia. the more perks we get.

I'd rather have that and not be charged 0.1% a quarter to pay for what I don't need

Well, sure, go ahead with your plan of using FSM platform to decide what to buy and then buy from eUT. Soon both platform would be obsolete as it is not sustainable to run on 0 fees or 0 revenue

p/s: I don't work for FSM, but I believe in making good businesses sustainable by supporting them

1. Try to map ETF/index in Msia with the jaguh kampung funds. Do you know that even lousy funds like Public small cap beat the index?  Sure, the theory works in the US, but try to see if it works in less than efficient markets like most emerging markets

2. I know you don't feel there's an issue to use facility on FSM and then buy from the cheaper source. I'm just commenting it for others who have sustainability in mind. Oh ya, I think it would be a terrible idea for you to venture into businesses. Because it's more than just sourcing for the cheapest goods and maximising revenue.

3. Not sure what was that 5k and 30k calculations for. I'm sure lots of the ASx and FD folks have way more than that. And some of the regulars here who show their portfolio/FSM tier you can easily tell they have more than 30k in FSM as well

Old lady advice to you (despite sure fall on deaf ears), open your horizon, don't just think with what you know, be receptive of what others have to say even when it does not involve saving costs, and you may just gain from it

Please help elaborate on ETFs

How to buy ETFs in Malaysia ?
Do we have a LYN thread on ETFs ?

If switch to within the same UTMC is considered switching, not selling. Don't sell, you ware wasting your sales charge!   

That is why having a UTMC with many good funds is a good criteria to consider when selecting a KWSP - MIS partner. For example I know many says KGF is a good fund and I agree, But if you look a Kenanga as a whole, it only have one very good fund and nothing else. So if this super duper fund were to experience some issues, you have no choice but get stuck with it come rain or shine. This is only applicable for KWSP - MIS only, not applicable to cash injection.

Xuzen

Guys, I am planning to switch half of my Eastspring Small cap to Eastspring Emerging market,

and then start TA global tech. What do you guys think?

Meanwhile, me and my friend were confused by what's written in most of the product highlight sheet in FSM. *kindly refer to the attachment.

Does this means we need to pay the 5.5% and all the rest apart from the 2% sales charge?

Haven't you read the case of people posted here that they tried to use the ninja switching and ended up losing more money ? You are pretty much deluded to use the words "switching for free".

The credit system should only be use "by-the-way", ie if one is indeed wanting to switching from small cap to eastspring bond, then go ahead and earn some credit. But to "purposely" exploit it, hmmm, the result isn't always predictable due to the moving Nav prices during the various transaction dates.

On the otherhand, have you tried to look at how you could use the 0% SC of eUT to perform switching ?

You can practically move out your entire portfolio to totally different portfolio in 3 or 4 days without incurring any SC, across different fund managers and across bond and equity.

For example, you can't switch your entire investment in RHB AIF to Manulife India  or eastspring smallcap to ponzi 2.0, all in one move, 0 % SC !

Think about it, how about that ?

this is where your credit system can be use to offset the sales charges, for eg, eastspring small cap switch to eastspring bond earns you credit , and later you can use the credit to offset the switch from eastspring bond to other eastspring  equity fund like small cap, global leaders and etc.

applicable to both epf and cash funds. i think previously Xuzen advocate buying from eastspring for EPF funds as they have a range of funds to buy using EPF funds, for RHB need to pay rm 25 per switch.

The credit system is the one thing that separates eunittrust from FSM, eunittrust don't has it,  and for FSM  you can use credit system to perform the ninja switching for free.

1. You example is a Intra fundhouse switch, no sales charge
2. The wholesale fund is restricted to HNWI to protect the retail investors, the idea is, these ppl with so much money won't feel the pinch if they lose from the wholesale fund. So if retail investors proceed to claim they are HNW, I don't think they really check. If I remember correctly, SC vetting and requirements is also less stringent for wholesale funds.

if you want to use your credit points, you need to switch from eastspring small cap > eastspring bond (earn point),

then switch from eastspring bond > emerging market (use point) . if you have enough points , you do not need to pay for the sales charge

if you switch direct eg, Eastspring smallcap > Eastspring emerging market , you'll be charge 2% or based on your tier discount, silver 1.75, gold 1.5 , platinum 1.25

for rhb funds you need to switch from rhb equity > rhb money market , rhb money market > other rhb equity funds , if you switch to other rhb funds other the rhb money market fund , you'll be charge rm25 switching fee

i think for rhb smart series, you can switch for free also, rhb smart treassure > rhb smart income (earn point) , rhb smart income > rhb smart treassure (earn point).

do note , each fund house has different minimum switching amount.

Your question is intra fundhouse la, EI equity fund to another EI equity fund

If you want to switch from kapchai to ponzi 2.0 without incurring additional sales charge, have to use credit ninja lor

Currently FSM only have selective fund with 1% service charge. So eunittrust has better deal with 0%sc for most funds and no platform fee (for Rm5k and above)?

kind of remind me of a simple analogy......
there are mamak store that sell coffee at a much cheaper price with great free roadside parking facilities.
there are Starbuck that sell coffee at a much higher price with parking charges too
wondering why people still flocks to Starbuck?

with the need to have RM 5k to save the 1%SC.
and does the Eunitrust web interface, easy of use and contents any where close to FSM?

i just feel better and have more trust in FSM than Eunitrust by just looking at the web....and i don't have RM5K to buy or top up.

What's wrong with Asian market today? Seems to be in shit. Lucky no trading for Malaysia, else will also in deeper shit.

What about 0%sc, how frequent?

2% reduction is too negligible